Thailand ATM Fees & Withdrawal Limits for Foreign Cards
Most travellers using a foreign-issued Visa or Mastercard should expect a Thai ATM operator fee of THB 220 per withdrawal at major-bank machines that publish this charge, in addition to any fee or foreign-exchange markup charged by the card issuer. Kasikornbank (KBank) publishes a THB 220 foreign-card fee and a maximum of THB 30,000 per transaction; Bangkok Bank also publishes a THB 220 foreign-card fee. Limits and the final fee can vary by ATM, network and issuer, so read the confirmation screen before proceeding.
Quick comparison
| ATM operator | Published foreign-card fee | Published per-transaction limit | What to verify on screen |
|---|---|---|---|
| KBank | THB 220 for foreign Visa/Mastercard and UnionPay cards | Up to THB 30,000 | Your issuer may impose a lower limit or add its own fee |
| Bangkok Bank | THB 220 for foreign electronic cards in its published fee schedule | Card- and ATM-dependent | Confirm the displayed limit and fee before accepting |
| Krungsri | Confirm the operator fee on the ATM screen | Up to THB 30,000 | Daily availability also depends on the issuing bank's terms |
The figures above come from first-party bank pages or fee schedules reviewed on 6 August 2026. A bank can change a fee or limit without this page changing immediately.
Understand the three possible costs
- Thai ATM operator fee: the fixed surcharge shown before you confirm the withdrawal.
- Card-issuer fee: your home bank may charge a fixed international ATM fee or a percentage.
- Currency conversion: the card network or issuer converts the THB transaction. If the ATM offers to bill your home currency, compare the displayed rate and markup with your issuer's terms; choosing THB leaves conversion to your card network or issuer.
Because the Thai operator charge is normally per transaction, fewer withdrawals can reduce that part of the cost. Do not withdraw more cash than you can store and carry safely merely to save one fee.
How to make a withdrawal
- Use a machine attached to, or inside, an open bank branch when practical.
- Check the card-network logos on the machine. KBank says its ATMs support Visa, Mastercard, JCB, UnionPay, American Express, AEON and Umay+ networks, but acceptance still depends on the card and issuer.
- Select English, enter the amount in THB and read every fee and conversion screen.
- Continue only if the fee, currency and amount are acceptable.
- Shield the keypad, take the card, take the cash and keep the receipt until the account entry is correct.
Choosing an amount
KBank and Krungsri currently publish a maximum of THB 30,000 per transaction. That is a machine maximum, not a promise that every foreign card can withdraw that amount. Your issuer's daily cash limit, fraud controls, available balance, network rules and the notes stocked in the ATM can all produce a lower result.
Before travel, check your issuer's:
- international ATM and foreign-exchange fees;
- daily and per-transaction cash limits;
- travel-notification or card-control settings;
- emergency card replacement process; and
- app alerts and international support number.
For larger payments, compare an account transfer or another documented payment method with carrying cash. See sending money to Thailand and banking fees and benchmarks.
If the ATM retains your card
- Stay near the machine if it is safe to do so and record the ATM number, location and time.
- Call the operator number displayed on the ATM or branch signage; do not rely on a number placed on an unofficial sticker.
- Lock or freeze the card in the issuer's app and contact the issuer.
- Do not accept help from a stranger who asks for the PIN or requests another transaction.
The ATM operator may not be able to return a foreign card, particularly outside branch hours. Carry a separate backup payment method.
Cash safety
- Avoid a machine with a loose reader, damaged keypad or unusual attachment.
- Cover the PIN entry and do not count cash in an exposed area.
- Check the account promptly and report an unrecognized transaction to the card issuer.
- Keep only the cash needed for the near term; cards and QR payments are not accepted everywhere.
Related guides and next step
Start with the Thailand banking guide, compare account-opening options, or review everyday payments.
If you need help identifying the right official bank information for your situation, contact Thailand Expat Services. We provide information and coordination; where regulated financial advice is needed, we can help identify an appropriate independent professional.
Official sources
- KBank K-ATM services and transaction limits
- KBank service-fee schedule (foreign-card ATM fee)
- Bangkok Bank rates and fee schedules
- Krungsri ATM services and limits
Last reviewed: 6 August 2026. General information only. The ATM confirmation screen and your card issuer's current terms control the actual transaction.